Consumer Protection Law
Consumer Protection Law Questions? Ask a Lawyer Now.
I am sorry to hear this.
In which State are you located?
Do you have a copy of the policy?
Did the insurer deny the claim in writing?
If so, what did the denial letter say?
Yes, if you want to, you can post it here or email a copy to***@******.*** and write For N Cal Atty as the subject line.
I have little doubt that the insurer is acting in bad faith, see
"The only exception to the pre-existing coverage rule is for grandfathered individual health insurance plans -- the kind you buy yourself, not through an employer. They don’t have to cover pre-existing conditions."
But bipolar disorder is not depression, anxiety or ADHD and the insurer is just speculating that you were bipolar before you got that diagnosis.
You can get a free consultation from some of the insurance bad faith lawyers listed by location here.
The insurer called it a group policy, not an individual policy, which suggests that the preexisting condition exclusion might not be grandfathered.
You are going to need a local attorney to review the policy and all the correspondence to and from the insurer, but I think the insurer is acting in bad faith.
I hope this information is helpful.
Does the policy cover ONLY disability?